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LTD Denials

Lawyer for Denied Long-Term Disability Claims

Long-Term Disability Claim Denied? We Can Help.

If your long-term disability claim was denied, you’re not alone—and you’re not out of options.

Insurance companies deny valid disability claims every day, even when people have paid premiums for years. When that happens, the process can feel overwhelming and unfair. This is not the end of your claim.

Dabdoub Law Firm helps clients nationwide appeal wrongful disability denials and fight for the benefits you’re owed. Call (800) 969-0488 for help.

You Have the Right to Appeal a Denied Disability Claim

An LTD denial does not mean your claim is wrong. Insurance companies often deny valid claims, hoping people won’t push back.

Appealing a denial is usually the best way to protect your disability benefits. But the process has strict rules, tight deadlines, and requires strong evidence.

Common Reasons Disability Claims Are Denied

  • The insurer says there isn’t enough medical proof
  • The insurer claims you don’t meet their definition of disability
  • Surveillance is used in a misleading way
  • An insurance company doctor disagrees with your doctor

These tactics are common and intentional. Our job is to challenge them and fight for your benefits.

Why Clients Trust Dabdoub Law Firm

When a disability claim is denied, it can feel overwhelming to face a billion-dollar insurance company with extensive resources and legal teams.

That’s why having the right law firm matters.

For more than 20 years, Dabdoub Law Firm has focused on disability insurance claims. We have the experience, resources, and team needed to stand up to large insurance companies and protect our clients’ rights — while guiding them through the process with care and clarity.

  • Proven Track Record of Winning LTD Appeals and Lawsuits: We don’t just submit appeals — we reverse denials and win cases when insurers refuse to pay.
  • Every LTD Claim Is Built as If It Will Go to Trial: This limits insurer delay tactics and underpayment from the start.
  • Deep Experience Against Every Major LTD Insurance Company: We know how carriers terminate benefits, attack medical evidence, and justify denials — and how to counter it.
  • Resources to Stand Up to Billion-Dollar Insurers: LTD insurers use lawyers, doctors, and vocational experts. We have the experience and resources to match them.
  • No Upfront Cost, Nationwide Representation: You owe nothing unless benefits are recovered. We represent LTD claimants in every state.

Insurance companies are well-funded and prepared to fight claims. We are, too — and we use that strength to pursue the best possible outcome for our clients.

How We Help With Denied Disability Claims

When you work with Dabdoub Law Firm, you’re not facing the insurance company alone. Our team takes care of your claim from start to finish, while making sure your rights are protected every step of the way.

Here’s how we help:

  • Review Your Case Carefully: We review your policy, denial letter, and claim file to find problems in the insurance company’s decision.
  • Build Strong Supporting Evidence: We work with your doctors and providers to gather clear medical and other evidence that supports your claim.
  • Handle the Appeal Process: We manage all paperwork, deadlines, and communication with the insurance company so nothing is missed.
  • Take Legal Action if Needed: If the claim is still denied, we are prepared to take your case to federal court and fight for your benefits.

Disability claims are unforgiving. One mistake can cost years of income. We handle the legal fight so you can focus on your health and peace of mind.

What Our Clients Say

“After my LTD claim was denied, I felt completely lost. The team took over and handled everything. They won my appeal, and I can’t thank them enough for their dedication and support.”  — Jennifer P.

FAQs About Long-Term Disability Denials

What should I do if my long-term disability claim is denied? 

If your claim is denied, carefully review the denial letter to understand the reasons for the decision. Collect all relevant medical and employment records, and consult a disability lawyer as soon as possible to discuss your options for appeal.

How long do I have to appeal a denied disability claim? 

Most disability policies set strict deadlines for filing an appeal, often as little as 180 days from the date of denial. It is critical to act quickly to preserve your right to challenge the denial.

Why do I need a lawyer for my disability appeal? 

An experienced disability attorney understands the legal standards, evidence requirements, and procedures involved in appealing a denied claim. A lawyer can help gather strong medical evidence, manage communications with the insurer, and ensure all deadlines are met—substantially increasing your chances of a successful outcome.

Can I appeal on my own, or do I need professional help? 

While you are allowed to appeal on your own, the appeals process is complex and insurance companies have extensive resources on their side. Professional legal assistance provides knowledgeable guidance and advocacy, helping you build the strongest possible case.

What costs are involved in hiring Dabdoub Law Firm? 

Dabdoub Law Firm operates on a contingency fee basis. You pay nothing unless we win your case. The initial consultation is always free, so you can get advice without financial risk.

Get a Free Disability Claim Review Today

You have a limited time to appeal your disability denial. Waiting can permanently harm your case.

Contact Dabdoub Law Firm today at (800) 969-0488 for a free consultation. We’ll review your claim, explain your options, and answer your questions—at no cost and no obligation. You pay nothing unless we win.